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Abstract:

The Account Transaction Record Information of a financial institution and
Supplementary Information are imported, and the Account Transaction
Record Information and the Supplementary Information are linked to
generate Deposit Source/Withdrawal Destination Linking Information in
which the name and category of the deposits/withdrawals are defined.
Subsequently, balance information for each account and
deposits/withdrawals information, which is journalized for each item
defining the usage/source of the funds and the continuity/non-continuity
thereof, are generated. Then the information items indicating the trend
of the financing and business performance of companies or the trend of
the financing and household budgeting of individuals are extracted and
are converted into variables and index numbers by combining the balance
information and the deposits/withdrawals information, resulting in the
generation of economic activity indices such as financing trend indices,
business performance trend indices, and household budgeting trend
indices.

Claims:

1. An economic activity index presenting system, comprising: A core
banking system; A data processor in communication with the core banking
system, the banking system containing Account Transaction Record
Information and Supplementary Information, wherein said Account
Transaction Record Information and said Supplementary Information are
imported to said data processor from said core banking system, said data
processor including a database for storing deposits/withdrawals
information and a database for storing balance information; wherein said
Account Transaction Record Information and said Supplementary Information
are utilized to create indices which allow for the analysis of economic
activities for each account holder; means for linking the Account
Transaction Record Information to the Supplementary Information to
generate Deposit Source/Withdrawal Destination Linking Information which
contain balance information and deposit/withdrawal information; means for
extracting said balance information for each account and the
deposits/withdrawals information from the Deposit Source/Withdrawal
Destination Linking Information; means for journalizing the extracted
deposits/withdrawals information according to the source of funds, the
use of funds, and the continuity and non-continuity thereof; such that
when an account holder of a target account for journalizing is a company
or a business owner and a transaction type of the Account Transaction
Record Information is a remittance or a transfer, it is a deposit
transaction, so that the data is journalized as a deposit information by
source of the funds including sales, borrowing, or financial transaction,
judging by either the note of the Account Transaction Record Information
or the attribution of the source-of-funds account holder information
linked with the Supplementary Information, and such that when it is a
withdrawal transaction of a company or a business owner, the data is
journalized as a withdrawal information by usage of the funds including
cost, repayment of debt, or financial transaction, judging by either the
note of the Account Transaction Record Information or the attribution of
the destination-of-funds account holder information linked with the
Supplementary Information, and further that when an account holder of the
target account for journalizing is an individual, and the transaction is
a deposit transaction, the data is journalized as a deposit information
by source of the funds including salary, bonus, pension, borrowing, or
financial transaction, judging by either the note of the Account
Transaction Record Information or the attribution of the source-of-funds
account holder information linked with a Supplementary Information; and
still further that when the transaction is a withdrawal transaction of an
individual, the data is journalized as a withdrawal information by usage
of the funds including repayment of debt, financial transaction, social
insurance premium/tax payment, or utility bill payment, judging by either
the note of the Account Transaction Record Information or the attribution
of the destination-of-funds account holder information linked with the
Supplementary Information; means for compiling the journalized
deposits/withdrawals information by the source of funds, the use of the
funds, and the continuity and non-continuity thereof; and means for
combining the complied deposits/withdrawals information and the balance
information for each account to create an index calculation.

2. The economic activity index presenting system according to claim 1,
wherein: said journalizing means includes only Account Transaction Record
Information and Supplementary Information from the core banking system to
classify deposit/withdrawal information according to the source of funds,
the use of funds, and the continuity and non-continuity using the
following data: transaction type, date, subject, amount, transaction
frequency, notes, account holder information of the target account for
the journalizing, and source-of-funds account holder information, or
destination-of-funds account holder information.

3. The economic activity index presenting system according to claim 1,
wherein said deposits information by source of the funds and the
withdrawals information by usage of the funds are journalized either
continuous or non-continuous.

4. The economic activity index presenting system according to claim 1,
wherein: said Supplementary Information linked to the Account Transaction
Record Information to includes account holder information of the target
account for the journalizing, and the source-of-funds account holder
information or the destination-of-funds account holder information in
terms of deposits/withdrawals within the account.

5. The economic activity index presenting system according to claim 1,
wherein: in the case that the account holder of the target account for
analysis is a company or a business owner, said economic activity indices
either: a Business Financing Trend Index which indicates the tightness
level of financing with consideration of business conditions by business
scale which is generated by analyzing transitions and proportion level of
the balance on the particular date to the journalized monthly
deposits/withdrawals amounts and numbers, and a Business Performance
Trend Index which indicates the activity level of business activities
with consideration of activity level of business activities and trading
conditions which is generated by analyzing the trend of the journalized
deposits/withdrawals amounts and numbers on business operation and the
trend of transactions with the deposits/withdrawals destinations, or a
Business Performance Prediction Index which predicts the sales, cost,
expense, and profit of the current fiscal term and after by analyzing the
current journalized deposits/withdrawals amounts and the past finance
information; and in the case that an account holder of the target account
for analysis is an individual, the economic activity indices are either:
an Individual Financing Trend Index which indicates the tightness level
of financing with consideration of earning conditions and payment which
is generated by analyzing transitions and proportion level of the balance
on the particular date to the journalized monthly deposits/withdrawals
amounts and numbers, and a Household Budgeting Trend Index which
indicates the activity level of household incomes and spending status by
analyzing the monthly journalized deposits/withdrawals amounts and
numbers of the current fiscal term, or a Household Budgeting Prediction
Index which predicts the future household budgeting trend by analyzing
the journalized deposits/withdrawals amounts of the current fiscal term
and the past income and spending status.

6. The economic activity index presenting system according to claim 5,
wherein said Business Performance Prediction Indices are generated based
on finance information and deposits/withdrawals information.

7. The economic activity index presenting system according to claim 5,
wherein said household budgeting prediction index is generated based on
record information and deposits/withdrawals information.

8. The economic activity index presenting system according to claim 1,
wherein: each of the account holders is journalized into a plurality of
attributions on the basis of said Supplementary Information, a means of
index conversion which generates said indices by attributions, and said
index conversion means for analysis of economic activities by
attribution.

9. The economic activity index presenting system according to claim 1,
wherein: a source-attribution and a destination-attribution of
deposits/withdrawals information are distinguished by said Supplementary
Information, and a Funds Circulation Trend Index is calculated by a
cross-tab of funds transfer between each of the attributions or within
the attribution on the basis of said distinction.

10. The economic activity index presenting system according to claim 9,
wherein: in the process of said Funds Circulation Trend Index
calculation, either of said deposits/withdrawals information is deleted
when they are considered to be the identical transaction in the case
that: the date is the same, the amount is the same, the account holder's
name of the deposit and destination-of-funds account name of the
withdrawal is the same, and the source-of-funds account name of the
deposit and the account holder's name of the withdrawal is the same.

11. The economic activity index presenting system according to claim 9,
wherein: in the process of said Funds Circulation Trend Index
calculation, either of said deposits/withdrawals information is deleted
when they are considered to be the identical transaction in the case
that: the date is the same, the amount is the same, the account holder's
name of the withdrawal and the source-of-funds account name of the
deposit is the same, and the destination-of-funds account name of the
withdrawal and the account holder's name of the deposit is the same.

12. The economic activity index presenting system according to claim 8,
wherein said attribution is chosen from either company size, region,
category of business, rating, length of time of operation, age, sex,
occupation, residence form, or household composition.

13. The economic activity index presenting system according to claim 9,
wherein said attribution is chosen from either company size, region,
category of business, rating, length of time of operation, age, sex,
occupation, residence form, or household composition.

14. A computer-implemented method for presenting an economic activity
index wherein a data processor is in communication with a core banking
system such that Account Transaction Record Information and Supplementary
Information are imported to said data processor from said core banking
system, comprising: linking the Account Transaction Record Information to
the Supplementary Information to generate Deposit Source/Withdrawal
Destination Linking Information which contain balance information and
deposit/withdrawal information; extracting the balance information and
the deposits/withdrawal information from the Deposit Source/Withdrawal
Destination Linking Information; journalizing the extracted
deposits/withdrawals information according to the source of funds, the
use of funds, and the continuity and non-continuity thereof: such that
when an account holder of a target account for journalizing is a company
or a business owner and a transaction type of the Account Transaction
Record Information is a remittance or a transfer, it is a deposit
transaction so that the data is journalized as a deposit information by
source of the funds including sales, borrowing, or financial transaction,
judging by either the note of the Account Transaction Record Information
or the attribution of the source-of-funds account holder information
linked in the Supplementary Information; and such that when it is a
withdrawal transaction of a company or a business owner, the data is
journalized as a withdrawal information by usage of the funds including
cost, repayment of debt, or financial transaction, judging by either the
note of the Account Transaction Record Information or the attribution of
the destination-of-funds account holder information linked with the
Supplementary Information; and further that when an account holder of the
target account for journalizing is an individual, and the transaction is
a deposit transaction, the data is journalized as a deposit information
by source of the funds including salary, bonus, pension, borrowing, or
financial transaction, judging by either the note of the Account
Transaction Record Information or the attribution of the source-of-funds
account holder information linked with the Supplementary Information; and
still further that when the transaction is a withdrawal transaction of an
individual, the data is journalized as a withdrawal information by usage
of the funds including repayment of debt, financial transaction, social
insurance premium/tax payment, or utility bill payment, judging by either
the note of the Account Transaction Record Information or the attribution
of the destination-of-funds account holder information linked with the
Supplementary Information; compiling the journalized deposits/withdrawals
information by the source of funds, the use of the funds, and the
continuity and non-continuity thereof; and combining the compiled
deposits/withdrawals information and the balance information for each
account to create an index calculation.

15. A non-transitory computer-readable medium having computer executable
instructions stored thereon fora computer to execute a method of
presenting an economic activity index wherein the computer is in
communication with a core banking system such that Account Transaction
Record Information and Supplementary Information are imported to said
data computer from said core banking system, said method comprising:
linking the Account Transaction Record Information to the Supplementary
Information to generate Deposit Source/Withdrawal Destination Linking
Information which contain balance information and deposit/withdrawal
information; extracting the balance information and the
deposits/withdrawals information from the Deposit Source/Withdrawal
Destination Linking Information; journalizing the extracted
deposits/withdrawals information according to the source of funds, the
use of funds, and the continuity and non-continuity thereof: such that
when an account holder of a target account for journalizing is a company
or a business owner and a transaction type of the Account Transaction
Record Information is a remittance or a transfer, it is a deposit
transaction so that the data is journalized as a deposit information by
source of the funds including sales, borrowing, or financial transaction,
judging by either the note of the Account Transaction Record Information
or the attribution of the source-of-funds account holder information
linked in the Supplementary Information; and such that when it is a
withdrawal transaction of a company or a business owner, the data is
journalized as a withdrawal information by usage of the funds including
cost, repayment of debt, or financial transaction, judging by either the
note of the Account Transaction Record Information or the attribution of
the destination-of-funds account holder information linked with the
Supplementary Information; and further that when an account holder of the
target account for journalizing is an individual, and the transaction is
a deposit transaction, the data is journalized as a deposit information
by source of the funds including salary, bonus, pension, borrowing, or
financial transaction, judging by either the note of the Account
Transaction Record Information or the attribution of the source-of-funds
account holder information linked with the Supplementary Information; and
still further that when the transaction is a withdrawal transaction of an
individual, the data is journalized as a withdrawal information by usage
of the funds including repayment of debt, financial transaction, social
insurance premium/tax payment, or utility bill payment, judging by either
the note of the Account Transaction Record Information or the attribution
of the destination-of-funds account holder information linked with the
Supplementary Information; compiling the journalized deposits/withdrawals
information by the source of funds, the use of the funds, and the
continuity and non-continuity thereof; and combining the compiled
deposits/withdrawals information and the balance information for each
account to create an index calculation.

Description:

TECHNICAL FIELD

[0001] The present invention relates to an economic activity index
presenting system which presents economic activity indices by means of
Account Transaction Record Information of a financial institution.

BACKGROUND ART

[0002] Conventionally, as disclosed in Patent documents 1 to 4, Account
Transaction Record Information has been used mainly to analyze
transaction information and detect abnormal transactions, so as to
prevent a transaction accident from occurring. However, economic
statistics, which allows one to monitor changes and needs in the social
economic environment accurately, are an important source of information.
Also, the economic statistics are important basic data for companies and
individuals to make a decision rationally or to secure rational and
objective decision-making on politics. The present social economy is in a
time of drastic change with its upgrading information-processing
capability and its diversifying needs, leading society to face various
problems. It is because conventional economic statistics are not suitable
for figuring out the actual status of economic activity on a timely
basis, that the importance of economic activity indices are increasing.

[0003] Most conventional public statistics rely on interviews with
randomly selected people by means of survey sheets or the like.
Accordingly, it is difficult to secure the accuracy of data due to the
small number of samples, biased samplings, and influences of subject
views or mental states of the respondents. Further, restrictions on data
collection are being tightened along with the growing sense of
information management and personal information protection within
companies. Moreover, with the conventional way, it requires substantial
manpower to conduct a survey and to compile the results, leading to the
expenditure of a great amount of time and costs. Therefore, conducting an
efficient, accurate and secure investigation is difficult and there is a
time lag between the investigation proceeding and the announcement.
Accordingly, it can hardly be said that it is feasible to ensure a timely
and up-to-the-minute announcement.

[0004] In addition, it has been difficult to conduct a detailed
investigation while concurrently maintaining consistency in the
multidimensional analysis wherein the items are journalized on attribute
basis, for example by company, by individual, by transaction, by region,
by company size, by category of business, by age, and the like. It also
has been difficult to meet the growing needs from researchers who intend
to research and analyze data from their own viewpoints by means of
different types of information which cannot be obtained by the
conventional way of compiling data, due to the lack of means for
structural analyzing wherein the data are compiled by both journalized
subcategories and consolidated categories.

[0005] Furthermore, official statistics which are released by the
decentralized statistical organization for the use in ministries and
agencies involve problems. That is, it is difficult to maintain
consistency between statistics so that it cannot fully adapt to all
changes in social structures. Also the use of record information, which
is obtained by means other than interviews, such as by registrations,
notifications and declarations, is not fully utilized. In addition, it is
considered to be a problem that client management in financial
institutions rely mainly on past financial information and transaction
records, which means that the present account transaction records are not
fully utilized.

PRIOR ART PATENT DOCUMENTS

Patent Document 1:

[0006] Japanese Patent Application Laid-Open No. 2009-140273

Patent Document 2:

[0006]

[0007] Japanese Patent Application Laid-Open No. 2008-203969

Patent Document 3:

[0007]

[0008] Japanese Patent Application Laid-Open No. 2006-251957

Patent Document 4:

[0008]

[0009] Japanese Patent Application Laid-Open No. 2003-208514

SUMMARY OF THE INVENTION

Technical Problems

[0010] To solve the problems described above, the present invention's goal
is to present valuable economic activity indices. The process of the
present invention requires no manpower to investigate and compile the
data which makes it more efficient. The indices are more direct, more
objective and non-biased because they allow one to recognize the changes
in social structures, the ebbs and flows of economic activities
exhaustively and carefully in detail, and to analyze in a
multidimensional and structural way on a timely basis so as to achieve
that goal.

Solution to Problem

[0011] In order to solve the problems shown above, the present invention
contains a primary feature of a system in a way which presents indices by
which the economic activity for each account holder can be analyzed. Said
feature is achieved by importing Account Transaction Record Information
and Supplementary Information from a core banking system of a financial
institution to a computer, and using the information to create indices by
performing the following processes: linking the Account Transaction
Record Information and the Supplementary Information to generate Deposit
Source/Withdrawal Destination Linking Information; extracting the balance
information for each account and extracting the deposits/withdrawals
information from the Deposit Source/Withdrawal Destination Linking
Information; journalizing the extracted deposits/withdrawals information
for each of the prescribed items; compiling the journalized
deposits/withdrawals information for each of the prescribed items;
calculating the compiled deposits/withdrawals information and the balance
information for each account in order to calculate the indices.
Journalizing determines the source of the deposits or the destination of
the withdrawals by using the included items within the Account
Transaction Record Information such as transaction type, notes and the
like. For example, when the transaction type is a "transfer deposit" with
a note of "finance loan" or the like, it is considered to be a borrowing.
When the transaction type is "transfer deposit" with a note of "term
deposit", "investment fund" or the like, it is considered to be a
cancellation or a sellout of a financial product, or by linking the
Supplementary Information of the source-of-funds account or the
destination-of-funds account with the target account. For example, when
the transaction type is "transfer deposit" and the source-of-funds
account name is a nonbank, it is considered to be a borrowing. When the
transaction type is "transfer deposit" and the source-of-funds account
name is other financial institutions (securities etc.), it is considered
to be a cancellation or a sellout of a financial product. Therefore, even
if the Account Transaction Record Information contain no notes (no space
for notes or a blank), journalizing can be utilized.

Advantageous Effects of Invention

[0012] An aggregation of the Account Transaction Record Information is a
miniaturized version of the actual condition of the economic activity
which is identified comprehensively and directly, since clients of
financial institutions are wide-ranging and every actual
corporate/individual economic activity (fund transfer/settlement) is
conducted through the financial institutions.

[0013] The present invention enables one to calculate a variety of
economic activity indices by first exporting the Account Transaction
Record Information and the Supplementary Information from the core
banking system of the financial institution to a data processor,
subsequently linking deposit/withdrawal destinations to each transaction
record information, and generating the balance information for each
account and deposits/withdrawals information, which are journalized
according to the usage of the funds within each deposit/withdrawal
transactions, the source of the funds, and the continuity and
non-continuity thereof. Therefore, the present invention is capable of
presenting valuable economic activity indices which are important basic
data for companies and individuals for monitoring changes and needs in
the social economic environment, for making rational decisions, or for
making rational and objective decisions concerning politics. In the
process, no manpower is required to investigate and compile the data. The
calculated indices are objective and non-biased. Also, the changes in
social structures and the ebbs and flows of the economic activities are
comprehensively and carefully identified, in a multidimensional and
structural way wherein the data are compiled by both journalized
subcategories and consolidated categories on a timely basis. Moreover, in
terms of transaction management of the financial institutions, the
calculated indices can be utilized for not only credit examinations but
also product sales strategies and monitoring management, wherein the
connections with external factors such as categories of business of the
clients and sale destinations are reflected.

BRIEF DESCRIPTION OF THE DRAWINGS

[0014] FIG. 1 is a configuration diagram of the economic activity index
presenting system when carried out the present invention.

[0015] FIG. 2 is a data-flow chart of deposit journal entries for
companies and business owners.

[0016] FIG. 3 is a data-flow chart of withdrawal journal entries for
companies and business owners.

[0017] FIG. 4 is a data-flow chart of deposit journal entries for
individuals.

[0018] FIG. 5 is a data-flow chart of withdrawal journal entries for
individuals.

[0019] FIG. 6 is a flow chart of the processing for calculating respective
indices for companies and business owners.

[0020] FIG. 7 is an illustration diagram of the business performance
prediction.

[0021] FIG. 8 is a flow chart of the processing for calculating respective
indices for individuals.

[0022] FIG. 9 is an illustration diagram of the household budgeting
prediction.

[0023] FIG. 10 is a flow chart of the processing for generating funds
circulation information.

[0024] FIG. 11 is an illustration diagram of the cross-tab of the funds
circulation information.

[0025] FIG. 12 is an illustration of Account Transaction Record
Information (Table 1) and Supplementary Information (Table 2) and Account
Holder Information (Table 3) after they have been exported from a core
banking system to a data processor.

[0028] FIG. 15 are tables illustrating the generation of the Business
Financing Trend Index.

DETAILED DESCRIPTION OF THE INVENTION

[0029] Hereinafter, embodiments of this invention will be explained in
detail.

[0030] FIG. 1 shows a configuration diagram of the economic activity index
presenting system when carried out according to the present invention.

[0031] First, Account Transaction Record Information Database 1 and
Supplementary Information Database 2, are imported from a core banking
system to a data processor, where they are linked by key items to
generate Deposit Source/Withdrawal Destination Linking Information and
exported to Deposit Source/Withdrawal Destination Linking Information
Database 3 (001). The method of exporting Account Transaction Record
Information and Supplementary Information from a core banking system
(i.e. communicating with the core banking system) to a data processor for
further processing can be flexibly designed. In one embodiment, the data
is transferred automatically. In another embodiment, a user can manually
transfer the data with a memory device, or like. The Account Transaction
Record Information may include a transaction type, date, subject, amount,
transaction frequency, and notes. Further, the Account Transaction Record
Information may also include an account holder's name, branch, account
number, and transaction currency. The Account Transaction Record
Information characterizes not only the transaction but also the account
holder such as the account holder's name. Besides, in terms of deposits,
the Account Transaction Record Information includes some information
which classifies (journalizes) the transactions into the following
categories based on the source of the funds: sales, borrowing, or
financial transaction in respect of companies and salary/bonus, pension,
cash deposit, financial transaction, or borrowing in respect of
individuals. In terms of withdrawals, the Account Transaction Record
Information includes some information which classifies the transactions
into the following categories based on the usage of the funds: cost,
repayment of debt, or financial transaction in respect of companies and
social insurance premium/tax, repayment of debt, or paying in respect of
individuals. The Account Transaction Record Information also includes
some information which estimates the continuity and non-continuity of the
deposits/withdrawals. Moreover, the account attribution information
within the Supplementary Information includes account holder (principal)
information, source-of-funds account holder information, and
destination-of-funds account holder information. In addition, said
account attribution information within the Supplementary Information also
includes company size, region, category of business, rating, and length
of time of operation with respect to companies and age, sex, occupation,
residence form, and household composition with respect to individuals.

[0032] Next, Deposit Source/Withdrawal Destination Linking Information
Database 3 is accessed so that deposits/withdrawals information which
have been journalized for each item by the use of the funds, the source
of the funds, and the continuity and non-continuity thereof is generated
and output to Deposits/Withdrawals Information Database 4 (002). Herein,
the characterization of the deposits/withdrawals information contains not
only the above described Account Transaction Record Information but also
the characterization of the Supplementary Information linked to the
Account Transaction Record Information. However, there is no
deposits/withdrawals information which contains only the Supplementary
Information since the Supplementary Information itself is not the target
for journalizing. Additionally, said Deposits/Withdrawals Information
Database 4 stores the respective transaction information
(deposits/withdrawals information) which are linked to the account
characterization information and journalized for each item. Deposit
Source/Withdrawal Destination Linking Information Database 3 stores the
respective deposits/withdrawals information in any format as long as the
deposits/withdrawals information is linked to the item and the
source-of-funds/destination-of-funds account holder information.

[0033] Subsequently, Deposit Source/Withdrawal Destination Linking
Information Database 3 is accessed so that balance information for each
account which has been journalized for each item characterizing the use
of the funds, the source of the funds, and the continuity and
non-continuity thereof is generated and output to Balance Information for
each account Database 5 (003).

[0034] Below, deposit journal entries for companies and business owners
which identify the source of the funds, and the continuity and the
non-continuity are described in detail. As shown in FIG. 2, the journal
entries are booked by transaction type, into Cash 101, Remittance
(incoming remittance) 102, Transfer 103, Checks issued by other banks
104, or Collection 105, leading to be posted to Sales per source of the
funds 201 (continuous income/non-continuous income), Borrowing 202,
Financial Transaction 203, or Other 204 (tax refund, subsidy etc./unknown
cause).

[0035] Cash 101 is all to be journalized as Sales 201 (continuous income).

[0036] In terms of Remittance (incoming remittance) 102, if the
source-of-funds account name is the identical bank (the same bank as at
which the account exists), it is journalized as Sales 201 (continuous
income), Borrowing 202, or Financial transaction 203, judging by its
note. When the data contain no notes, if the source-of-funds account name
is another bank (a different bank from at which the account exists), it
is journalized as Sales 201 (continuous income if the same
source-of-funds account name appears over a period of months,
non-continuous income as for the other cases). If the source-of-funds
account name is other financial institutions (securities etc.), it is
journalized as Financial Transaction 203. If the source-of-funds account
name is a nonbank institution, it is journalized as Borrowing 202. If the
source-of-funds account name is a public institution, it is journalized
as Other 204 (tax refund, subsidy etc.). If the source-of-funds account
name is the identical company, it is journalized as Other 204 (unknown
cause). If the source-of-funds account name is organizations other than
those above, it is journalized as Sales 201 (continuous income if the
same source-of-funds account name appears over a period of months,
non-continuous income for the rest).

[0037] In terms of Transfer 103, if the source-of-funds account name is
the identical bank (the same bank as at which the account exists), it is
journalized as Borrowing 202 or Financial Transaction 203, judging by its
note. If the source-of-funds account name is another bank (a different
bank from at which the account exists), it is journalized as Sales 201
(continuous income if the same source-of-funds account name appears over
a period of months, non-continuous income as for the other cases). If the
source-of-funds account name is other financial institutions (securities
etc.), it is journalized as Financial Transaction 203. If the
source-of-funds account name is a nonbank institution, it is journalized
as Borrowing 202. If the source-of-funds account name is a public
institution, it is journalized as Other 204 (tax refund, subsidy etc.).
If the source-of-funds account name is the identical company, it is
journalized as Financial Transaction 203 or Other 204 (unknown cause),
judging by its note. If the source-of-funds account name is organizations
other than those above, it is journalized as Sales 201 (continuous income
if the same source-of-funds account name appears over a period of months,
non-continuous income as for the other cases).

[0038] In terms of Checks issued by other banks 104, if a payer is the
identical company, it is journalized as Other 204 (unknown cause). On the
other hand, if the payer is not the identical company, it is all
journalized as Sales 201 (continuous income).

[0039] Collection 105 is all to be journalized as Sales 201 (continuous
income).

[0040] Next, withdrawal journal entries for companies and business owners
wherein each item is defined by the usage of the funds and the continuity
and non-continuity thereof will be explained below. As shown in FIG. 3,
the journal entries are booked by transaction type, into Cash/Checks
issued by its own bank 301, Remittance (outward remittance) 302, or
Transfer 303, leading to be posted by usage of the funds to Cost 401
(continuous spending/non-continuous spending), Repayment of debt 402
(continuous spending/non-continuous spending), Financial Transaction 403,
or Other 404 (tax payment, official funds etc./unknown cause).

[0041] Cash/Checks issued by its own bank 301 is journalized respectively
as follows: Scenario 1, in the case that the same amount of currency
transaction whose remitter is same as the account holder is found on the
same day, if the destination-of-funds account name is the identical bank
(the same bank as at which the account exists), it is journalized as
Repayment of Debt 402 (continuous spending if the same destination of the
funds appears over a period of months, non-continuous spending as for the
other cases) or Financial Transaction 403, judging by its note. If the
destination-of-funds account name is another bank (a different bank from
at which the account exists), it is journalized as Financial Transaction
403 or Other 404 (unknown causes). If the destination-of-funds account
name is other financial institutions (securities etc.), it is journalized
as Financial Transaction 403. If the destination-of-funds account name is
a nonbank institution, it is journalized as Repayment of Debt 402
(continuous spending if the same destination of the funds appears over a
period of months, non-continuous spending as for the other cases). If the
destination-of-funds account name is a public institution, it is
journalized as Other 404 (tax payment etc.). If the destination-of-funds
account name is the identical company, it is journalized as Other 404
(unknown cause). If the destination-of-funds account name is
organizations other than those above, it is all journalized as Cost 401
(continuous spending).

Scenario 2, in the case that the destination-of-funds account name in
which the same amount of currency transaction being found on the same day
is a separate deposit, if the transaction is a bulk transfer or a direct
deposit of salary, it is all journalized as Cost 401 (continuous
spending). With the other cases, it is journalized as Other 404 (unknown
cause). Scenario 3, In the case that the destination-of-funds account
name in which the same amount of currency transaction being found on the
same day is same as the account holder, if the destination account is a
time deposit account, it is journalized as Financial Transaction 403.
With the other cases, it is journalized as Other 404 (unknown cause).
Other than Scenarios 1, 2, and 3, it is all journalized as Cost 401
(continuous spending).

[0042] In terms of Remittance (outward remittance) 302, if the
destination-of-account name is the identical bank (the same bank as at
which the account exists), it is journalized as Repayment of Debt 402
(continuous spending if the same destination of the funds appears over a
period of months, non-continuous spending as for the other cases) or
Financial Transaction 403, judging by its note. If the
destination-of-funds account name is another bank (a different bank from
at which the account exists), it is journalized as Financial Transaction
403 or Other 404 (unknown cause). If the destination-of-funds account
name is other financial institutions (securities etc.), it is journalized
as Financial Transaction 403. If the destination-of-funds account name is
a nonbank institution, it is journalized as Repayment of Debt 402
(continuous spending if the same destination of the funds appears over a
period of months, non-continuous spending as for the other cases). If the
destination-of-funds account name is a public institution, it is
journalized as Other 404 (tax payment etc.). If the destination-of-funds
account name is the identical company, it is journalized as Other 404
(unknown cause). If the destination-of-funds account name is
organizations other than those above, it is journalized as Cost 401
(continuous spending if the same destination of the funds appears over a
period of months, non-continuous spending as for the other cases).

[0043] In terms of Transfer 303, if the destination-of-funds account name
is the identical bank (the same bank as at which the account exists), it
is journalized as Repayment of Debt 402 (continuous spending if the same
destination of the funds appears over a period of months, non-continuous
spending as for the other cases), Financial Transaction 403, or Other 404
(unknown cause), judging by its note. If the destination-of-funds account
name is another bank (a different bank from at which the account exists),
it is journalized as Financial Transaction 403. If the
destination-of-funds account name is other financial institutions
(securities etc.), it is journalized as Financial Transaction 403. If the
destination-of-funds account name is a nonbank institution, it is
journalized as Repayment of Debt 402 (continuous spending if the same
destination of the funds appears over a period of months, non-continuous
spending as for the other cases). If the destination-of-funds account
name is a public institution, it is journalized as Other 404 (tax payment
etc.). If the destination-of-funds account name is the identical company,
it is journalized as Financial Transaction 403 or Other 404 (unknown
cause), judging by its note. If the destination-of-funds account name is
organizations other than those above, it is journalized as Cost 401
(continuous spending if the same destination of the funds appears over a
period of months, non-continuous spending as for the other cases).

[0045] Cash 501 is journalized as Cash Deposit 603. Herein, it is defined
as a continuous income of whichever is the smaller amount of the monthly
total of deposits or the average amount of deposits during a certain
period of time. Accordingly, when the monthly total amount of deposits is
larger than the average amount of deposits during a certain period of
time, the difference between the two values is defined as a
non-continuous income.

[0046] Checks issued by other banks 502 is journalized as Other 606.
Herein, it is defined as a continuous income of whichever is the smaller
amount of a monthly total of the deposits or the average amount of
deposit during a certain period of time. Accordingly, it is defined as a
non-continuous income comprised of the difference between the monthly
total amount of the deposit and the aforementioned figure.

[0047] In terms of Remittance 503, if the deposit is a direct deposit of
salary, it is journalized as Salary/Bonus 601. If the deposit is a
pension, it is journalized as Pension 602 (continuous income). If the
deposit is other than a direct deposit of salary or a pension and the
source-of-funds account name is the identical bank (the same bank as at
which the account exists), it is journalized as Financial Transaction 604
(non-continuous income), Borrowing 605 (non-continuous income), or Other
606 (non-continuous income/unknown cause), judging by its note. If the
source-of-funds account name is another bank (a different bank from at
which the account exists), it is journalized as Financial Transaction 604
(non-continuous income). If the source-of-funds account name is other
financial institutions (securities etc.), it is journalized as Financial
Transaction 604 (non-continuous income). If the source-of-funds account
name is a nonbank institution, it is journalized as Borrowing 605
(non-continuous income). If the source-of-funds account name is a public
institution, it is journalized as Other 606 (tax refund, subsidy etc.).
If the source-of-funds account name is the identical person, it is
journalized as Other 606 (non-continuous income/unknown cause). If the
source-of-funds account name is organizations other than those above, it
is journalized as Other 606 (continuous income/rent income etc. if the
same source-of-funds account name appears over a period of months,
non-continuous income/property sale etc. as for the other cases).

[0048] In terms of Transfer 504, if the source-of-funds account name is
the identical bank (the same bank as at which the account exists), it is
journalized as Financial Transaction 604 (non-continuous income),
Borrowing 605 (non-continuous income), or Other 606 (non-continuous
income/unknown cause), judging by its note. If the source-of-funds
account name is another bank (a different bank from at which the account
exists), it is journalized as Financial Transaction 604 (non-continuous
income). If the source-of-funds account name is other financial
institutions (securities etc.), it is journalized as Financial
Transaction 604 (non-continuous income). If the source-of-funds account
name is a nonbank institution, it is journalized as Borrowing 605
(non-continuous income). If the source-of-funds account name is a public
institution, it is journalized as Other 606 (tax refund, subsidy etc.).
If the source-of-funds account name is the identical company, it is
journalized as Financial Transaction 604 (non-continuous income) or Other
606 (non-continuous income/unknown cause), judging by its note. If the
source-of-funds account name is organizations other than those above, it
is journalized as Other 606 (continuous income/rent income etc. if the
same source-of-funds account name appears over a period of months,
non-continuous income/property income etc. as for the other cases).

[0050] Cash 701 is journalized as Cash Withdrawal 805. Herein, it is
defined as a continuous spending of whichever is the smaller amount of
the monthly total of withdrawals or the average amount of withdrawals
during a certain period of time. Accordingly, when the monthly total
amount of withdrawals is larger than the average amount of withdrawals
during a certain period of time, the difference between the two values is
defined as a non-continuous spending.

[0051] Credit Card 702 is journalized as Credit Card 806. Herein, it is
defined as a continuous spending of whichever is the smaller amount of a
monthly total of the withdrawals or the average amount of the withdrawal
during a certain period of time. Accordingly, it is defined as a
non-continuous spending that the difference between the monthly total
amount of the withdrawals and the aforementioned figure. Debit Card 807
is journalized as Debit Card 703. Herein, it is defined as a continuous
spending and whichever is the smaller amount of a monthly total of the
withdrawals or the average amount of the withdrawal during a certain
period of time. Accordingly, it is defined as a non-continuous spending
that the difference between the monthly total amount of the withdrawals
and the aforementioned figure.

[0052] In terms of Remittance 704, if the destination-of-funds account
name is the identical bank (the same bank as at which the account
exists), it is journalized as Financial Transaction 803 (non-continuous
spending), Repayment of Debt 802 (non-continuous spending), or Other 803
(non-continuous spending/unknown cause), judging by its note. If the
destination-of-funds account name is another bank (a different bank from
at which the account exists), it is journalized as Financial Transaction
803 (non-continuous spending). If the destination-of-funds account name
is other financial institutions (securities etc.), it is journalized as
Financial Transaction 803 (non-continuous spending). If the
destination-of-funds account name is a nonbank institution, it is
journalized as Repayment of Debt 802 (non-continuous spending). If the
destination-of-funds account name is a public institution, it is
journalized as Social Insurance Premium/Tax Payment 801 (non-continuous
spending) or Utility Bill Payment 804 (non-continuous spending), judging
by its name of the destination account. If the destination-of-funds
account name is the identical person, it is journalized as Other 808
(unknown cause). If the destination-of-funds account name is
organizations other than those above, it is journalized as Other 808
(rent payment etc. if the same destination of the funds appears over a
period of months, property purchase etc. as for the other cases).

[0053] In terms of Account Transfer 705, if the destination-of-funds
account name is the identical bank (the same bank as at which the account
exists), it is journalized as Financial Transaction 803 (continuous
spending), Repayment of Debt 802 (continuous spending), or Other 808
(continuous spending/unknown cause), judging by its note. If the
destination-of-funds account name is another bank (a different bank from
at which the account exists), it is journalized as Financial Transaction
803 (continuous spending). If the destination-of-funds account name is
other financial institutions (securities etc.), it is journalized as
Financial Transaction 803 (continuous spending). If the
destination-of-funds account name is a nonbank institution, it is
journalized as Repayment of Debt 802 (continuous spending). If the
destination-of-funds account name is a public institution, it is
journalized as Social Insurance Premium/Tax Payment 801 (continuous
spending) or Utility Bill Payment 804 (continuous spending), judging by
its note. If the destination-of-funds account name is the identical
person, it is journalized as Other 808 (unknown cause). If the
destination-of-funds account name is organizations other than those
above, it is journalized as Other 808 (continuous spending/rent payment
etc. if the same destination of the funds appears over a period of
months, non-continuous spending/property purchase etc. as for the other
cases).

[0054] Referring again to FIG. 1, Deposits/Withdrawals Information
Database 4 and Balance Information for each account Database 5 are
accessed so that information elements which explain the tightness level
of financing of companies and business owners are extracted and are
converted into variables and index numbers, resulting in the generation
of a Business Financing Trend Index which indicates the tightness level
of financing, which are eventually output to Business Financing Trend
Index Database 6 (004).

[0055] Then, Deposits/Withdrawals Information Database 4 and Balance
Information for each account Database 5 are accessed so that information
elements which explain the tightness level of the financing of individual
earnings and consumptions are extracted and are converted into variables
and index numbers, resulting in the generation of an Individual Financing
Trend Index which indicates the tightness level of financing, which are
eventually output to Individual Financing Trend Index Database 7 (005).

[0056] Then, Deposits/Withdrawals Information Database 4 and Balance
Information for each account Database 5 are accessed so that information
elements which explain the activity level of economic activities of
companies and business owners are extracted and are converted into
variables and index numbers, resulting in the generation of a Business
Performance Trend Index which indicates the activity level of business
activities, which are eventually output to Business Performance Trend
Index Database 8 (006).

[0057] Then, Deposits/Withdrawals Information Database 4 and Balance
Information for each account Database 5 are accessed so that information
elements which explain the activity level of individual earnings,
consumptions, and the like are extracted and are converted into variables
and index numbers, resulting in the generation of a Household Budgeting
Trend Index which indicates the activity level of individual earnings,
consumptions, and the like, which are eventually output to Household
Budgeting Trend Index Database 9 (007).

[0058] Then, finance information within the Supplementary Information
Database 2, Deposits/Withdrawals Information Database 4 and Balance
Information for each account Database 5 are accessed so that information
elements which explain the association between the account activity
records and the finance information and also predict a future performance
of activities of companies and business owners are extracted and are
converted into variables and index numbers, resulting in the generation
of a Business Performance Prediction Index which predicts the future
performance, which are eventually output to Business Performance
Prediction Index Database 10 (008).

[0059] Then, Deposits/Withdrawals Information Database 4 and Balance
Information for each account Database 5 are accessed so that information
elements which predict the future individual budgeting trend by
explaining the association between the account activity records and the
household earning and income/spending records are extracted and are
converted into variables and index numbers, resulting in the generation
of a Household Budgeting Prediction Index which predicts the future
household budgeting trend, and is eventually output to Household
Budgeting Prediction Index Database 11 (009). "Information elements which
predict a future individual budgeting trend" would be, for example,
income, social insurance premium, tax, disposable income or the like.

[0060] As shown in FIG. 6, each of the indices of the companies and
business owners are generated as follows: First, Balance Information for
each account Database 5 is accessed so that a Primary Balance Information
S101 is generated. Also, a Primary Deposits/Withdrawals Information 5102
is generated from the Deposits/Withdrawals Information Database 4.

[0061] Herein, the Primary Balance Information S101 is composed of
"balance on particular dates (month-end, the fifth, and the tenth)",
"monthly peak balance", "monthly least balance", "daily average of the
monthly balance", and "monthly standard deviation of daily balance". The
Primary Deposits/Withdrawals Information S102 is composed of "monthly
total amount of deposits", "sales among the monthly total deposits",
"continuous incomes among the monthly total deposits", "monthly total
amount of withdrawals", "cost price among the monthly total withdrawals",
"repayment amount of debt among the monthly total withdrawals", and
"continuous expenditure among the total monthly withdrawals".

[0062] Subsequently, a plurality of the Primary Balance Information S101
is associated with each other so that a Secondary Balance Information
S103 is generated. The Primary Balance Information S101 and the Primary
Deposits/Withdrawals Information S102 are associated with each other so
that a Balance×Secondary Deposits/Withdrawals Information S104 is
generated. A plurality of the Primary Deposits/Withdrawals Information
S102 is associated with each other so that a Secondary
Deposits/Withdrawals Information S105 is generated.

[0063] Herein, the Secondary Balance Information S103 is composed of
"monthly standard deviation/daily average of the monthly balance" and
"(monthly peak balance-monthly least balance)/daily average of the
monthly balance". The Balance×Secondary Deposits/Withdrawals
Information 5104 is composed of "daily average of the monthly
balance/monthly total amount of deposits", "daily average of the monthly
balance/monthly total amount of continuous incomes", "daily average of
the monthly balance/monthly total amount of withdrawals", "daily average
of the monthly balance/monthly total amount of continuous expenditures",
and "monthly total amount of repayments of debt/daily average of the
monthly balance". The Secondary Deposits/Withdrawals Information S105 is
composed of "monthly total amount of deposits/monthly total amount of
withdrawals", "monthly total amount of continuous incomes/monthly total
amount of continuous expenditures", and "monthly total amount of
repayments of debt/monthly total amount of deposits".

[0064] Next, the Primary Balance Information S101, the Secondary Balance
Information S103, and the Balance×Secondary Deposits/Withdrawals
Information S104 are associated with each other and are converted into
variables and index numbers, resulting in the generation of a Business
Financing Trend Index which is eventually output to a Business Financing
Trend Index Database 6. Also, the Primary Deposits/Withdrawals
Information S102 and the Secondary Deposits/Withdrawals Information S105
are associated with each other and are converted into variables and index
numbers, resulting in the generation of a Business Performance Trend
Index which is eventually output to Business Performance Trend Index
Database 8.

[0065] Thereafter, past Finance Information S106 and the Primary
Deposits/Withdrawals Information S102 are associated with each other so
that a Performance Prediction Information S107 is generated and is
converted into variables and index numbers, resulting in the generation
of a Business Performance Prediction Index which is eventually output to
Business Performance Prediction Index Database 10.

[0066] As shown in FIG. 7, the performance prediction is made by
generating a future performance prediction Y (a value corresponding to
the actual performance record X) by means of a past actual performance
record (finance information) X, an actual deposits/withdrawals
performance of the current fiscal term Q1 which is generated by
deposits/withdrawals information within the period of up to the present
time B, a past actual deposits/withdrawals performance P1 within the
period of up to the same point in time A, and a past actual
deposits/withdrawals performance P2 within the period from the point in
time A.

[0067] The generating process is as follows: First, an adjusting variable
s (s=X/(P1+P2)) which defines the association between the sum of actual
deposits/withdrawals performance P1 and P2 which are generated by
deposits/withdrawals information and the actual performance record X is
calculated. Also, a variation variable k (k=Q1/P1) which defines the
association between the business activity performance at present time B
and the business activity variation in the future is calculated.

[0068] Then, the future performance prediction is divided into Y1 which is
a current already-passed period performance prediction at the present
time B and Y2 which is a current unexpired period performance prediction,
which is defined that the future (end of the current fiscal term)
performance prediction Y=Y1+Y2. By means of the aforementioned adjusting
variable s and the variation variable k, it is calculated that
Y1=Q1×s, Y2=P2×k×s, and the future performance
prediction Y=(Q1+P2×k)×s.

[0069] As shown in FIG. 8, each of the indices of individuals is generated
as follows: First, Balance Information for each account Database 5 is
accessed so that a Primary Balance Information S201 is generated on a
computer. Also, a Primary Deposits/Withdrawals Information S202 is
generated on a computer by using Deposits/Withdrawals Information
Database 4.

[0070] The Primary Balance Information S201 is composed of "balance on
particular dates (month-end, the fifth, and the tenth)", "monthly peak
balance", "monthly least balance", "daily average of the monthly
balance", and "monthly standard deviation of daily balance"; the Primary
Deposits/Withdrawals Information 5202 is composed of "monthly total
amount of deposits", "basic incomes among the monthly total deposits",
"continuous incomes among the monthly total deposits", "monthly total
amount of withdrawals", "basic spending among the monthly total
withdrawals", "repayment amount of debt among the monthly total
withdrawals", and "continuous spending among the monthly total
withdrawals".

[0071] Herein, "basic incomes" is the total amount of Salary/Bonus 601,
Pension 602, and Other 606 (rent income etc.) by the source of the funds.
And "basic spending" is the total amount of Social Insurance Premium/Tax
Payment 801, Utility Bill Payment 804, and Other 808 (rent payment etc.)
by the usage of the funds.

[0072] Subsequently, a plurality of the Primary Balance

[0073] Information S201 is associated with each other so that Secondary
Balance Information S203 is generated. The Primary Balance Information
S201 and the Primary Deposits/Withdrawals Information S202 are associated
with each other so that a Balance×Secondary Deposits/Withdrawals
Information S204 is generated. A plurality of the Primary
Deposits/Withdrawals Information S202 is associated with each other so
that a Secondary Deposits/Withdrawals Information S205 is generated.

[0074] Herein, the Secondary Balance Information S203 is composed of
"monthly standard deviation/daily average of the monthly balance" and
"(monthly peak balance-monthly least balance)/daily average of the
monthly balance". The Balance×Secondary Deposits/Withdrawals
Information 5204 is composed of "daily average of the monthly
balance/monthly total amount of deposits", "daily average of the monthly
balance/monthly total amount of the continuous incomes", "daily average
of the monthly balance/monthly total amount of withdrawals", "daily
average of the monthly balance/monthly total amount of the continuous
spending", and "monthly total amount of repayments of debt/daily average
of the monthly balance"; the Secondary Deposits/Withdrawals Information
S205 is composed of "monthly total amount of deposits/monthly total
amount of withdrawals", "monthly total amount of the continuous
incomes/monthly total amount of the continuous spending", and "monthly
total amount of repayments of debt/monthly total amount of deposits".

[0075] Next, the Primary Balance Information 5201, the Secondary Balance
Information S203, and the Balance×Secondary Deposits/Withdrawals
Information S204 are associated with each other and are converted into
variables and index numbers, resulting in the generation of an Individual
Financing Trend Index which is eventually output to Individual Financing
Trend Index Database 7. Also, the Primary Deposits/Withdrawals
Information S202 and the Secondary Deposits/Withdrawals Information S205
are associated with each other and are converted into variables and index
numbers, resulting in the generation of a Household Budgeting Trend Index
which is eventually output to Household Budgeting Trend Index Database 9.

[0076] Thereafter, a past Record Information S206 and the Primary
Deposits/Withdrawals Information S202 are associated with each other so
that a Household Budgeting Prediction Information S207 is generated and
is converted into variables and index numbers, resulting in the
generation of a Household Budgeting Prediction Index which is eventually
output to Household Budgeting Prediction Index Database 11.

[0077] As shown in FIG. 9, the Household Budgeting Prediction is made by
generating a Future Household Budgeting Prediction Y (a value
corresponding to the Actual Household Budgeting Record X) by means of a
past Actual Household Budgeting Record (incomes/spendings record) X, an
actual deposits/withdrawals record of the current period Q which is
generated by deposits/withdrawals information within the period of up to
the present time B, and a past Actual Deposits/Withdrawals Record P
within the period of up to the same point in time A.

[0078] The generating process is as follows: First, a variation variable k
(k=Q/P) which defines the association between the income/spending
activity at present time B and the income/spending activity variation in
the future is calculated.

[0079] Then, if the already-passed period of months 1, it is calculated
that the future household budgeting prediction Y=X×k, by means of
the aforementioned variation variable k. If the already-passed period of
months<1, it is calculated that the future household budgeting
prediction Y=X.

[0080] Referring again to FIG. 1, Deposits/Withdrawals Information
Database 4 is accessed so that the same transactions are determined by
date, amount, and beneficiary/remitter name, resulting in the generation
of a Fund Transfer Information Database 4 wherein either of the identical
deposits/withdrawals information is deleted, which is eventually output
to Funds Transfer Information Database 12 (010).

[0081] As shown in FIG. 10, Funds Circulation Information is generated as
follows: First, Deposits/Withdrawals Information Database 4 is accessed
so that the deposits/withdrawals information is divided into Deposits
Information (S301) and Withdrawals Information (S302). Thereafter the
Deposits Information and Withdrawals Information which contain different
amounts on the starting date of the designated period (S303) and Deposits
Information and Withdrawals Information which contain the same amounts on
the starting date of the designated period (S304) are extracted.

[0082] Said extracted deposits information and withdrawals information
which contain different amount (S303) are output to Funds Transfer
Information Database 12 as the deposits information and the withdrawals
information which contain non-identical transactions (S305).

[0083] Subsequently, in terms of the deposits information and the
withdrawals information which contain the same amount on the designated
date (S304), the first deposit information and the first withdrawal
information are loaded and are followed by the following processing:
within the entire withdrawal transactions from the first withdrawal
transaction to the last withdrawal transaction, against the first deposit
information, it is determined whether the account holder's name of the
deposit information and the destination account holder's name of the
withdrawal information are the same, while at the same time determining
whether the source account holder's name of the deposit information and
the account holder's name of the withdrawal information are the same. If
the account holder's name is the same, it is determined to be the
identical transaction, and the withdrawal information is deleted and only
the deposit information is output to Funds Transfer Information Database
12 (S306).

[0084] Then, the next deposit information is loaded and the aforementioned
processing steps are conducted. After the processing steps are conducted
with the entire deposit information, the not-deleted withdrawal
information is output to Funds Transfer Information Database 12 (S308).

[0085] Further, the deposit information and the withdrawal information of
the transactions in which the account holder's name of the deposit
information and the destination account holder's name of the withdrawal
information are different, or where the source account holder's name of
the deposit information and the account holder's name of the withdrawal
information are different, are output to Funds Transfer Information
Database 12 as the deposits information which contain non-identical
transactions (S307) and the withdrawals information (S308).

[0086] Thereafter, for the respective day from the day after the starting
date to the end date of the designated period, the above described
processing steps are conducted, resulting in the generation of Funds
Transfer Information Database 12 wherein the identical transactions
within the designated period are deleted.

[0087] Incidentally, the deposits information and the withdrawals
information can be treated reversely in the above described processing.

[0088] Referring again to FIG. 1, Funds Transfer Information Database 12
is accessed so that a funds circulation between each of the attributions
or within the attribution is compiled by source/destination association,
resulting in the generation of funds circulation information which is
eventually output to Funds Circulation Information Database 13 (011).

[0089] As shown in FIG. 11, funds circulation information is generated as
follows: First, a spreadsheet (1101) wherein the transfer amount between
the source-attribution and the destination-attribution and the number of
transfers are compiled on the basis of the funds transfer information
between each of the attributions or within the attribution within the
designated time period.

[0090] For example, the total amount of the transfers is 1,550 and the
total number of the transfers is 21 in the case as follows: the transfer
amount from the source-attribution X to the destination-attribution X is
150 and the number of transfers is 3; the transfer amount from the
source-attribution X to the destination-attribution Y is 200 and the
number of transfers is 2; the transfer amount from the source-attribution
X to the destination-attribution Z is 100 and the number of transfers is
2; the transfer amount from the source-attribution Y to the
destination-attribution X is 300 and the number of transfers is 3; the
transfer amount from the source-attribution Y to the
destination-attribution Y is 50 and the number of transfers is 1; the
transfer amount from the source-attribution Y to the
destination-attribution Z is 100 and the number of transfers is 2; the
transfer amount from the source-attribution Z to the
destination-attribution X is 200 and the number of transfers is 1; the
transfer amount from the source-attribution Z to the
destination-attribution Y is 100 and the number of transfers is 2; the
transfer amount from the source-attribution Z to the
destination-attribution Z is 350 and the number of transfers is 5.

[0091] Subsequently, an attribution cross-tab (1102) of the amount and an
attribution cross-tab (1103) of the number are generated by inputting the
transfer amount between each of the attributions or within the
attribution and the number of transfer into the relevant items within the
cross-tabs (1101), and calculating the total and the difference.

[0092] Herein, the total 1 within the attribution cross-tab (1102) (1003)
denotes the total amount/number of the transfers between different
attributions or within the attribution. The total 2 denotes the sum of
the total amount/number of the transfers between the same attributions or
within the attribution and the total 1. The net change in balances within
the attribution cross-tab (1102) denotes the value which is derived by
deducting the total withdrawal amount 2 from the total deposit amount 2
per attribution. The difference in deposits/withdrawals number within the
attribution cross-tab (1103) denotes the value which is derived by
deducting the total withdrawal amount 2 from the total deposit amount 2
per attribution.

[0093] For example, in regard to attribution cross-tab (1102), the values
are calculated as follows: In terms of the deposit of attribution X, the
total 1 is 500 calculated according to the expression 300 plus 200 and
the total 2 is 650 calculated according to the expression 150 plus 300
plus 200. In terms of the deposit of attribution Y, the total 1 is 300
calculated according to the expression 200 plus 100 and the total 2 is
350 calculated according to the expression 200 plus 50 plus 100. In terms
of the deposit of attribution Z, the total 1 is 200 calculated according
to the expression 100 plus 100 and the total 2 is 550 calculated
according to the expression 100 plus 100 plus 350. Also, in terms of the
withdrawal of attribution X, the total 1 is 300 calculated according to
the expression 200 plus 100 and the total 2 is 450 calculated according
to the expression 150 plus 200 plus 100. In terms of the withdrawal of
attribution Y, the total 1 is 400 calculated according to the expression
300 plus 100 and the total 2 is 450 calculated according to the
expression 300 plus 50 plus 100. In terms of the withdrawal of
attribution Z, the total 1 is 300 calculated according to the expression
200 plus 100 and the total 2 is 650 calculated according to the
expression 200 plus 100 plus 350.

[0094] The net change in balances of attribution X is +200 calculated
according to the expression 650 minus 450, meaning the total deposit
amount 2 minus the total withdrawal amount 2. The net change in balances
of attribution Y is -100 calculated according to the expression 350 minus
450, meaning the total deposit amount 2 minus the total withdrawal amount
2. The net change in balances of attribution Z is -100 calculated
according to the expression 550 minus 650, meaning the total deposit
amount 2 minus the total withdrawal amount 2.

[0095] The attribution cross-tab (1103) is generated by conducting the
same processing as described above, however, the net change in balances
is to be replaced with the difference in deposits/withdrawals number.

[0096] Conventionally, an association between the funds transfer and the
funds circulation was determined secondarily based on enumerations or
statistics which had been previously generated. Accordingly, it has been
difficult to utilize this conventional process due to its lack of
consistency, timeliness, immediacy, and scalability.

[0097] This invention allows one to perceive the association between the
funds transfer and the funds circulation between each of the given
attributions or within the attribution from the account transaction
record directly, timely, and immediately.

[0098] Referring again to FIG. 1, Funds Circulation Information Database
13 is accessed so that information elements which explain the funds
transfer between each of the attributions or within the attribution are
extracted and are converted into variables and index numbers, resulting
in the generation of a funds circulation trend index which indicates the
funds transfer between each of the attributions or within the
attribution, which is eventually output to Funds Circulation Trend Index
Database 14 (012).

[0100] To summarize, the present embodiment allows one to analyze and
perceive the overall economic activity status of companies and
individuals more promptly, and more particularly. Said embodiment is
achieved by following the process as follows: First, Account Transaction
Record Information and Supplementary Information are exported from the
core banking system (including an information system) to a data
processor. Said Account Transaction Record Information contains
deposits/withdrawals records and balance records in which the actual
economic transactions (receipts/disbursements of funds, settlements) have
been directly recorded in accounts of financial institutions and reflect
the actual economic transactions. These transactions are conducted
through financial institutions because financial institutions have
clearing functions and saving functional capabilities. And said
Supplementary Information (including finance information and attribution
information such as region, company size, category of business, rating,
age, sex, and occupation) contains account holder (principal)
information, source-of-funds account holder information, and
destination-of-funds account holder information. Second,
sources/destinations of deposits/withdrawals are linked (link means make
associations between data) and journalized for prescribed items. Then the
data are compiled by journalized subcategories and any consolidated
categories (for example by attribution of account holder, finance item,
or the like), subsequently the compiled data are converted into index
numbers. Especially, economic trend indices can be generated by
temporally analyzing the Account Transaction Record Information which are
stored in chronological order for a prescribed period of time.

[0101] The following explains how the information is converted into
variables and index numbers. For example, the financing trend index
indicates the tightness level of financing, calculated by the following
process. The results of compiling related to the financing trend such as
transitions of variables (month-to-month basis, change rate,
increased/decreased number, or the like) which are mainly calculated by
the balances on particular dates, the monthly peak/bottom balance, the
monthly average balance, or the monthly deviations of daily balances are
extracted and are converted into variables with adding weight. In
addition, the tightness level of financing with consideration of the
business conditions by business scale (operating cash flow) can be
perceived by analyzing the transitions of proportion level of the balance
on the particular date (stock) to the journalized monthly
deposits/withdrawals on business operation (flow).

[0102] The following describes an example of such analysis. In terms of
the amount or the number of journalized deposits/withdrawals on business
operation, the monthly value or the moving average and the level of its
amplitude are converted into variables so that a standard value as a
threshold value is set by conducting a comparative analysis of failed
companies and stable companies. Then, companies with higher values for
said standard value and those with lower values are determined so that a
rate of the number of the companies or the like per account holder
attribution are calculated and are converted into index numbers (index
numerical conversion).

[0103] For example, the index numerical conversion is conducted as
follows. If a month-to-month basis of daily average of the monthly
balance is set as a converted variable value, the proportions over the
preceding month are journalized into +5% or more, -5%˜5%, -5% or
less, and the like. The number of companies, the proportion of the number
of the companies, or the increase and decrease of the proportion of the
number of the companies per classification can be converted into index
numbers. Herein, it is ideal to set the value of a given standard month
as 100 in order to normalize the index numerical conversion.

[0104] Moreover, the economic activity index can be generated by
consolidating categories wherein a plurality of indices, which are
calculated based on a single economic activity, are added weight.
However, the index journalized in subcategories can also be presented.

[0105] As described above, the present embodiment allows one to calculate
the Business Financing Trend Index, the Individual Financing Trend Index,
the Business Performance Trend Index, the Household Budgeting Trend
Index, the Business Performance Prediction Index, and the like as
economic activity indices. The Business Performance Trend Index is
generated by means of index numerical conversions of the activity level
of business activities and the trading conditions (statuses of the number
of clients, the unit price of transactions, or the attributions of
business contacts). Here, the activity level of business activities are
derived from the trend of the journalized deposits/withdrawals on
business operation, and the trading conditions are derived from the trend
of transactions with the deposits/withdrawals destinations. In terms of
the Business Performance Prediction Index, the index numerical conversion
of the performance prediction trend is derived by predicting the sales,
cost, expense, and profit of the current fiscal term and after by means
of the trend of the journalized deposits/withdrawals on business
operation and the past financial information. Further, assets such as
receivables and stocks and liabilities such as debt loan and the like can
be predicted, so that the index numerical conversion of the trend of the
assets, liabilities, and capital as a difference between the assets and
the liabilities can be achieved. Furthermore, situations involving credit
risk can be analyzed by the financing trend, performance trend, and the
performance prediction. The same trend indices can be generated in terms
of individuals.

[0106] As described above, the present embodiment allows one to see the
transfer amounts between source-attributions and
destination-attributions, the number of transfers, or the like within the
designated period, by analyzing the funds transfers. Accordingly, the
Funds Circulation Index can be generated on the basis of the
aforementioned data.

[0107] Further, each of the source-of-funds and the destination-of-funds
is linked to respective attribution data. Therefore, in terms of the
funds circulation trend, it is capable of re-compiling the indices by
setting keys such as region, company size, category of business
(manufacturing industry, wholesale industry, retailing industry, or the
like), age, rating, or the like without conducting another round of
survey. Additionally, sex or the like can be used as an attribution in
terms of individuals.

[0108] In this way, the present embodiment allows one to collect financial
transaction data. Also, attributions of the source of the funds or the
destination of the funds are linked to each account transaction, and the
generated transaction data are journalized for each item. Thus, data
which reflects a variety of economic activities can be derived. And
consequently a variety of economic activity indices can be generated by
converting the data into index numbers.

Example

[0109] In accordance with the above embodiments, the following FIGS. 12-15
are an example of how a Business Financing Trend Index is generated out
of Account Transaction Record Information and Supplementary Information
from a core banking system.

[0111] FIG. 13 shows how the Deposit/Withdrawal Information and Balance
information are generated. To generate the Deposit/Withdrawal Information
and Balance Information, Account Transaction Record Information and
Balance Information are extracted by bank account from the Deposit
Source/Withdrawal Destination Linking Information (Table 4). Next, the
each deposit and withdrawal is journalized by detail according to source
of fund or usage of funds by transaction type for each corresponding
account holder information to form the Deposit/Withdrawal Information
(Table 5). Deposit journal entries for companies and business owners are
journalized by source of funds determined by the transaction type as
described earlier in the specification. Withdrawals for companies and
business owners are journalized by the usage of funds as determined by
transaction type as described earlier in the specification. Balance
Information by bank account is extracted from Deposit Source/Withdrawal
Destination Linking Information. Balance information for each account
which has been journalized is generated and output to Balance Information
Table 6.

[0112] FIG. 14 shows how Variables are generated. The journalized
Deposits/Withdrawals Information and Balance Information are compiled by
detail in a set time period. In this case, the data in Table 7 is
compiled from 1 Apr. 2012 until 30 Apr. 2012 for the journal entry Cost
per account holder. In Table 8, the data is compiled from 1 Apr. 2012
until 30 Apr. 2012 for the journal entry Sales per account holder. The
data in Table 9 is compiled by the average balance per account holder in
a set time period from 1 Apr. 2012 until 30 Apr. 2012. The average
balance is defined as the total amount of the balance amounts during the
set time period divided by the number of days. The compiled items in
Table 7, Table 8 and Table 9 can be used to create Variables 1, 2, and 3
that explain the tightness level of financing of companies and business
owners as shown in Table 10.

[0113] FIG. 15 shows the generation of Business Financing Trend Index. The
indices are created by combining respective Variables. An index
calculation formula and a threshold number are created by way of
statistical approach. For instance, in a population of companies, there
is a rate of the number of companies whose financing is considered to be
high in level, and there is a rate of the number of companies whose
financing is considered to be low in level.

(where the constants are: α=10.7; β=18.5; γ=-56.5;
ε=30.3; T=50.0). The constants α, β, γ . . .
ε and T are values chosen by the user based on empirical usage.
Particular values of the constants are not part of the present invention.

[0114] If S exceeds the threshold T, it is considered to be tight in
financing. The higher the index in S, the tighter the level of financing
is considered to be.

[0117] Therefore, A Company is considered to be tight in financing. The
tightness level of A Company is considered to be higher than that of P
Company.

[0118] Finally, a plurality of indices (including the Business Financing
Trend Index) is added weight and converted into a Total Economic Activity
Index. For example, a formula is calculated which has a mutually close
relationship with an official index such as GDP by way of statistical
approach. The following equation is an example: